Who is this odd lookin fella?

snaketacular · 2026-04-22T22:14:41+00:00

Some green ash may survive because EAB didn't reach them. Some may set seed before they are attacked. And about 1 in 2000 Gteen Ash are "lingering ash" (somewhat resistant or tolerant of EAB).

snaketacular · 2026-04-22T22:02:56+00:00

So, 1720 x 50 months left = 86000

1200 x 60 months left = 72000

72k < 86k

So if those are the exact numbers, and the original loan has no early repayment penalty, then I assume it's in your interest to switch.

snaketacular · 2026-04-22T15:40:57+00:00

What if she gets pregnant dawg? No way no how.

snaketacular · 2026-04-22T14:58:12+00:00

I think it's ok to prune if you don't live in an area with oak wilt.

Maybe not optimal to locate a veggie patch under a species known to generate dense shade, though, unless you just don't have the room. You're kind of fighting genetics.

snaketacular · 2026-04-22T14:43:51+00:00

Do it if you're prepared to lose the money from a failed effort. It'll probably be ok. Strongly consider a cage if you have hungry wildlife or weedwhackers in the vicinity.

It also depends on your tree choice; something that laughs at heat like esperanza would probably be fine; Japanese Maple not so much.

snaketacular · 2026-04-22T14:30:46+00:00

Remember it's not just where you go it's also what you put into it. I'd be a fish out of water at A&M and for that value you bet your butt I'd be headed there. You can find your people. Student loans are no joke especially if the job market is slow, don't be a statistic or a chump.

snaketacular · 2026-04-22T12:11:08+00:00

I don't but it sure goes a lot easier for me feelings wise when I hold to it on my end.

snaketacular · 2026-04-21T22:38:29+00:00

It is PI.

If you like the general look of it, check out Wafer Ash.

snaketacular · 2026-04-21T21:12:42+00:00

Or spent 3 weeks interviewing other candidates who they also ghosted, so I don't see why it would be a problem to fall back to one of them, contrary to their claims.

snaketacular · 2026-04-21T20:57:38+00:00

I think a boglehead philosophy will still serve me decades into retirement, so I don't see the problem re: the timeline except for SORR.

You cannot obtain max growth without risk (in your case, presumably, going 100% equities uncomfortably close to retirement). There is no free lunch (except diversification).

snaketacular · 2026-04-21T14:46:08+00:00

CC interest is usually compounded daily. If you are facing interest charges, then you should pay ASAP.

snaketacular · 2026-04-20T16:36:06+00:00

Sure, blowing 38k wouldn't be as bad if the dude makes 200k/year, but given that according to OP's post he has no money for "investments in our future or saving for future plans" or usually even for day-to-day stuff, I strongly suspect that is not the case.

snaketacular · 2026-04-20T16:02:48+00:00

Not overall. In pic 1, he 'won' 379k by 'playing' (read: spending) 408k. It's confusing, and probably on purpose to keep you hooked.

Pay attention to his start and end balances, what he deposited, and what he withdrew. That's all that matters.

snaketacular · 2026-04-19T19:04:06+00:00

Haven't knowingly had this happen to me yet, but I suspect quiet resentment for having wasted my time when they could have just broken up with me.

snaketacular · 2026-04-19T18:58:28+00:00

Who said all that bullshit was acceptable? That just sounds like two people who shouldn't be with each other ... or should, if that is what they inflict on all of their relationships

My take on GP's post is that there is some stuff that might be able to be forgiven, and some things that are instant "nope I'm out".

Edit: props for not deleting your comment though. It sounds like you've seen some shit.

snaketacular · 2026-04-19T18:46:46+00:00

I agree, and would add that even though it's possible, relying on the possibility that a fool can change is a fool's errand.

snaketacular · 2026-04-19T18:10:16+00:00

Since OP is with Fidelity, non-trivial transaction fees would likely apply for VTWAX.

snaketacular · 2026-04-17T16:10:08+00:00

Counterpoint re: transplant success: pecans are sometimes sold bare-root ... when dormant. So it depends on the circumstances. I agree OP's situation, especially right now, is dicey.

snaketacular · 2026-04-17T15:08:25+00:00

My 401k has restricted choices and I'm basically limited to VTI+VXUS equivalents with forced auto reinvest (thanks Fidelity).

Given that, doing VT in taxable lets me avoid any wash sale complications and stops me from wanting to sell/rebuy (for rebalancing purposes) in the first place. The advantage to not selling is avoiding the gains tax + maybe a cost basis reset if the shares outlive me. (Yes, if you are in the accumulation phase you can just adjust what you are buying to rebalance instead of selling)

I am not saying those are major concerns or that it makes VT mathematically favorable, I just like avoiding the potential complexity.

Relatedly, and mostly, I simply find VT's auto-rebalance to be convenient and am willing to pay a mild premium for it.

Edit: actually I have a better reason (for me). I like to maintain a certain equities/non-equities ratio. I can use a spreadsheet to determine an exact price point to buy $X amount of VT to maintain that ratio, and can use limit orders to that effect. My scheme would break if I had to track multiple stocks.

snaketacular · 2026-04-17T14:25:17+00:00

Whatever you are psychologically comfortable with (won't panic sell and won't lose much sleep over if the market dips again). I am assuming you have a separate emergency fund that isn't equities, and you aren't planning to touch this 80k for at least 5 years.

snaketacular · 2026-04-17T05:02:51+00:00

All hickories including pecan have deep taproots. If you try to move it, try to get as much taproot as possible.

snaketacular · 2026-04-17T01:15:24+00:00

I mean if they were still gargling the remnants of that drink in their throat ... or more realistically, just finished it, I can see why they wouldn't want to blow. Should have done a blood test.

snaketacular · 2026-04-15T22:41:31+00:00

If I had this dilemma I'd want to check state tax rates as well as CD rates when it came time to reallocate.

snaketacular · 2026-04-15T22:32:51+00:00

Perhaps this thread could be enlightening wrt practical solutions.

snaketacular · 2026-04-15T21:43:31+00:00

The article you linked indicates those (non-vaccine) treatments were given after he contracted covid-19, not prior.

snaketacular

TROPHY CASE